Karmacash
Sign inCheck eligibility

Now starting in Kerala

Small loans for traders and gig workers, judged on how you actually earn.

Borrow Rs 15,000 to Rs 3,00,000 and repay in equal monthly EMIs over 6, 9 or 12 months. Your UPI and bank payments count, not just your credit score.

Check eligibilitySee rates and EMIs

How it works

  1. 1

    Check in two minutes

    Tell us the amount, your work and your PIN code. No credit check, no documents.

  2. 2

    Share your bank data safely

    Approve a one-time fetch of your bank statement through the RBI Account Aggregator. We never ask for passwords.

  3. 3

    Get a decision and your money

    See your amount, EMI and every charge before you sign. Our lending partner pays straight into your bank account.

18% to 24%

APR, fees included

2% + GST

one-time processing fee

No hidden charges

every rupee shown before you sign